Ah, the beauty of outsourcing. Lower wage rates and plausible deniability. The $10/hr. robo signers will do some time, "Cash for keys" will get underwater homeowners to move out without proof of "note", taxpayers will foot the bill, and bankers will be on to their next profitable project.

Yep, just hire firms to solve a problem that can't be solved based on your screw-up. And make sure that they do cut rate work. And let them engage in the actual fraud. As long as they are a few levels removed from you, then you can point to the middleman and say you had no idea what was going on...